Medical Indemnity Plans
See any licensed health care provider and use any licensed facility for covered services.
What is a Medical Indemnity Plan?
Medical Indemnity plans, also known as an Indemnity Health Plan, are health plans designed to give you choices when choosing health care providers and facilities.
Cigna Healthcare Medical Indemnity plan features
- You have the freedom to see any licensed health care provider and use any licensed facility for covered services, but you and your covered dependents must file claims to be reimbursed
- Depending on the provider, you may have to pay for the cost of your health care services when you receive them, or you may be billed directly for any services provided
- You don’t need referrals for specialists. Cigna HealthcareSM may need to pre-certify hospital stays and some types of outpatient care
- The indemnity health plan includes global emergency and urgent care coverage 24/7
Being offered a Cigna Healthcare Medical Indemnity plan through work?
To find providers, procedures, cost estimates, and more,
Are your prescription drugs covered?
To find out which drugs are covered by your plan, use the
Next steps for shoppers
You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the
Are you a new member?
If you've recently enrolled in a Cigna Healthcare plan through your employer, here are next steps:
Buying a plan on your own?
This page features plans you get through an employer. If you're looking for plans you can buy for yourself or your family, we can help get you there.
1Customers under age 13 (and/or their parent/guardian) will not be able to register at
Medical plans are insured and/or administered by Cigna Health and Life Insurance Company (CHLIC) or Connecticut General Life Insurance Company. Plans contain exclusions and limitations and may not be available in all areas. For costs and details of coverage, see your plan documents. Policy forms: OK - HP-APP-1 et al., OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC).
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The Cigna Group Information
Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.
All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates ( see